Financial Independence, Retire Early. Calculate your FIRE number, years to FIRE, and safe withdrawal rate — based on your expenses, savings rate, and investment returns.
FIRE Planning Details
How early can you retire?
💰 Current Financial Situation
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$
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📈 Investment Assumptions
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Real (inflation-adjusted) return: ~5-7% for stocks
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🏖️ Retirement Target
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Your FIRE Number
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Years to FIRE
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FIRE Number
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Savings Rate
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Progress
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Retire at Age
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Annual Expenses
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Annual Savings
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Savings Rate
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FIRE Number (target)
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Current Portfolio
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Still Needed
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Years to FIRE
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FIRE Age
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Safe Annual Withdrawal
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FAQ
What is FIRE?
FIRE stands for Financial Independence, Retire Early. The movement involves saving aggressively (50-70%+ of income), investing in low-cost index funds, and reaching a "FIRE number" (typically 25x annual expenses) that allows you to live off investment returns indefinitely.
What is the 4% rule?
The 4% safe withdrawal rate (Bengen, 1994) states you can withdraw 4% of your portfolio per year with a very high probability (95%+) of funds lasting 30+ years. $1M portfolio → $40,000/year. The rule is based on historical US stock/bond market data.
What is the FIRE number?
FIRE Number = Annual Expenses ÷ Safe Withdrawal Rate. Using the 4% rule: Spend $40,000/year → FIRE number = $40,000 ÷ 0.04 = $1,000,000. This is the portfolio size needed to retire.
What are the FIRE variants?
Lean FIRE: Retire on a tight budget (~$25K/year). Regular FIRE: $40-60K/year. Fat FIRE: $80K+/year. Barista FIRE: Semi-retire with part-time work. CoastFIRE: Save enough early that compound growth carries you to retirement without additional savings.